നിക്ഷേപിക്കാനുള്ള മികച്ച 10 നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on February 18, 2026 , 21133 views

മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ, രണ്ട് പ്ലാനുകൾ വാഗ്ദാനം ചെയ്യുന്നു- റെഗുലർ, ഡയറക്ട്. നിക്ഷേപകരിൽ ഭൂരിഭാഗവുംനിക്ഷേപിക്കുന്നു ഇൻമ്യൂച്വൽ ഫണ്ടുകൾ സാധാരണയായി സാധാരണ ഫണ്ടുകളാണ് ഇഷ്ടപ്പെടുന്നത്, എന്നിരുന്നാലും, പുതിയ നിക്ഷേപകർക്കിടയിൽ നേരിട്ടുള്ള ഫണ്ടുകൾക്കുള്ള താൽപ്പര്യം ഡിമാൻഡ് വർദ്ധിപ്പിക്കാൻ അനുവദിച്ചു. താക്കോല്ഘടകം ഈ രണ്ട് പ്ലാനുകളും തമ്മിലുള്ള വ്യത്യാസം ചെലവ് അനുപാതമാണ്, ഡയറക്ട് പ്ലാനിന്റെ ചെലവ് അനുപാതം ഒരു സാധാരണ പ്ലാനിനെ അപേക്ഷിച്ച് കുറവാണ്.

ഡയറക്ട് പ്ലാനുകൾ പ്രത്യേക സ്കീമുകളല്ല, എന്നാൽ അവ കുറഞ്ഞ ചെലവ് അനുപാതമുള്ള സാധാരണ പ്ലാനിന്റെ ഒരു വ്യതിയാനമാണ്. അതിനാൽ, ഒരുനിക്ഷേപകൻ ഒരു മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്നവർക്ക് ഒന്നുകിൽ ഒരു സാധാരണ പ്ലാനോ നേരിട്ടുള്ള പ്ലാനോ തിരഞ്ഞെടുക്കാം. സ്വതന്ത്രമായി കഴിയുന്ന ഒരു നിക്ഷേപകൻമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക ഒരു ഉപദേഷ്ടാവിന്റെ സഹായം തേടാതെ നേരിട്ടുള്ള പ്ലാനുകളിൽ നിക്ഷേപിക്കാം.

നിക്ഷേപിക്കുന്നതിനുള്ള മികച്ച നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ടുകൾക്കൊപ്പം നേരിട്ടുള്ള ഫണ്ട് നിക്ഷേപങ്ങളെക്കുറിച്ച് കൂടുതലറിയാം.

നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപം എന്താണ്?

പരിമിതമായ എണ്ണം ചാനലുകളിലൂടെ നേരിട്ടുള്ള ഫണ്ടുകൾ ലഭ്യമാണ്. ഒരു നിക്ഷേപകന് പ്രധാനമായും ഫണ്ട് ഹൗസ് വഴി നിക്ഷേപിക്കാം, വളരെ കുറച്ച് തേർഡ് പാർട്ടി സെക്യൂരിറ്റീസ് ഇടനിലക്കാർ, ആർടിഎകൾക്യാമറകൾ/കാർവി, ഫണ്ട് ഹൗസിന്റെ അംഗീകൃത പ്രാദേശിക പ്രതിനിധികൾ. മിക്കവാറും, നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങളിൽ, ഇല്ലarn (അപേക്ഷറഫറൻസ് നമ്പർ) നിക്ഷേപകന്റെ അപേക്ഷയിൽ ഉദ്ധരിച്ചിരിക്കുന്നു. അതിനാൽ, നിക്ഷേപകർക്ക് നൽകുന്ന കമ്മീഷൻ വളരെ കുറവാണ് അല്ലെങ്കിൽ ചിലപ്പോൾ പൂജ്യമാണ്. ഇത് ഉപഭോക്താവിനെ ഏറ്റെടുക്കുന്നതിനുള്ള ചെലവ് കുറയ്ക്കുന്നുഎഎംസി.

ചെലവ് അനുപാതം കൂടാതെ, ഫണ്ട് ഹൗസ് നിരക്ക് ഈടാക്കാത്തതും നേരിട്ടുള്ള പ്ലാനുകളാണ്വിതരണക്കാരൻ ചെലവുകൾ/ഇടപാട് നിരക്കുകൾ/ട്രയൽ ഫീസ്. മൊത്തം അസറ്റ് മൂല്യം (അല്ല) ഒരു സാധാരണ മ്യൂച്വൽ ഫണ്ട് പ്ലാനുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ മ്യൂച്വൽ ഫണ്ട്-ഡയറക്ട് പ്ലാൻ ഉയർന്നതായിരിക്കും.

ഡയറക്ട് പ്ലാനിന്റെ ചെലവ് അനുപാതം കുറവായതിനാൽ, സാധാരണ പ്ലാനുകളെ അപേക്ഷിച്ച് നിക്ഷേപകർക്ക് ഉയർന്ന വരുമാനം ലഭിക്കുമെന്ന് പറയപ്പെടുന്നു. ഫണ്ട് ഹൗസ് ചെലവ് അനുപാതം അനുസരിച്ച് ഏകദേശം 0.5 ശതമാനം മുതൽ 1.5 ശതമാനം വരെ വരുമാനം കൂടുതലായിരിക്കും. അതിനാൽ, ചെലവ് അനുപാതം കുറയ്ക്കുന്നതിലൂടെ വരുമാനം വർദ്ധിപ്പിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് പ്ലാനുകളിൽ നിക്ഷേപിക്കാം.

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ഇന്ത്യയിൽ നിക്ഷേപിക്കുന്നതിനുള്ള മികച്ച നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ടുകൾ

നിക്ഷേപം നടത്തുമ്പോൾ നിങ്ങൾക്ക് പരിഗണിക്കാവുന്ന, ഓൺ-ഇക്വിറ്റി & ഹൈബ്രിഡ് 3 വർഷത്തെ റിട്ടേണുകൾ, 1 വർഷത്തെ റിട്ടേണിലെ കടം എന്നിവ അടിസ്ഥാനമാക്കിയുള്ള ചില മികച്ച നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് പ്ലാനുകൾ ഇതാ.

മികച്ച നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് പ്ലാനുകൾ- ഇക്വിറ്റി വിഭാഗം

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Opportunities Fund - Direct Growth	₹284.412 ↓ -3.15	₹8,271	-2.1	1	16.5	30.8	21.3	4.4
Franklin Build India Fund - Direct Growth	₹172.896 ↑ 1.72	₹3,003	2.6	5.8	22.4	29.4	25.2	4.8
Franklin India Prima Fund - Direct Growth	₹3,086.83 ↑ 2.60	₹12,223	-3.2	-0.9	12.7	23	17.9	2.4
Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth	₹90.0073 ↑ 0.57	₹4,573	2.2	3	3.9	22.2	10	12.4
DSP Micro Cap Fund - Direct Growth	₹215.009 ↑ 0.66	₹16,135	-1.2	-0.7	16.3	21.4	21.5	-1.9
Sundaram SMILE Fund - Direct Growth	₹284.205 ↓ -0.66	₹3,285	-3.6	-0.2	16.6	21.3	21.4	1.5
Edelweiss Economic Resurgence Fund - Direct Growth	₹45.892 ↑ 0.24	₹3,133	-0.7	3.8	16.3	20.9	17.6	7
Franklin India Smaller Companies Fund - Direct Growth	₹184.723 ↑ 0.00	₹12,764	-4.7	-4.2	8.6	20	20.9	-7.6
UTI Banking Sector Fund - Direct Growth	₹234.427 ↑ 1.21	₹1,400	2.8	9.1	25.2	19.9	14.4	17.5
Franklin India Prima Plus - Direct Growth	₹1,841.69 ↑ 9.21	₹19,528	-2.2	0.7	11.5	19.7	17	4.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Opportunities Fund - Direct	Franklin Build India Fund - Direct	Franklin India Prima Fund - Direct	Franklin India Feeder - Franklin U S Opportunities Fund - Direct	DSP Micro Cap Fund - Direct	Sundaram SMILE Fund - Direct	Edelweiss Economic Resurgence Fund - Direct	Franklin India Smaller Companies Fund - Direct	UTI Banking Sector Fund - Direct	Franklin India Prima Plus - Direct
Point 1	Upper mid AUM (₹8,271 Cr).	Bottom quartile AUM (₹3,003 Cr).	Upper mid AUM (₹12,223 Cr).	Lower mid AUM (₹4,573 Cr).	Top quartile AUM (₹16,135 Cr).	Lower mid AUM (₹3,285 Cr).	Bottom quartile AUM (₹3,133 Cr).	Upper mid AUM (₹12,764 Cr).	Bottom quartile AUM (₹1,400 Cr).	Highest AUM (₹19,528 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 21.27% (upper mid).	5Y return: 25.21% (top quartile).	5Y return: 17.85% (lower mid).	5Y return: 9.95% (bottom quartile).	5Y return: 21.51% (top quartile).	5Y return: 21.36% (upper mid).	5Y return: 17.59% (lower mid).	5Y return: 20.87% (upper mid).	5Y return: 14.44% (bottom quartile).	5Y return: 16.96% (bottom quartile).
Point 6	3Y return: 30.78% (top quartile).	3Y return: 29.43% (top quartile).	3Y return: 23.00% (upper mid).	3Y return: 22.23% (upper mid).	3Y return: 21.45% (upper mid).	3Y return: 21.27% (lower mid).	3Y return: 20.90% (lower mid).	3Y return: 19.98% (bottom quartile).	3Y return: 19.89% (bottom quartile).	3Y return: 19.67% (bottom quartile).
Point 7	1Y return: 16.50% (upper mid).	1Y return: 22.35% (top quartile).	1Y return: 12.70% (lower mid).	1Y return: 3.86% (bottom quartile).	1Y return: 16.30% (lower mid).	1Y return: 16.56% (upper mid).	1Y return: 16.34% (upper mid).	1Y return: 8.57% (bottom quartile).	1Y return: 25.21% (top quartile).	1Y return: 11.45% (bottom quartile).
Point 8	Alpha: 0.23 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: -3.28 (bottom quartile).	Alpha: -10.48 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 4.37 (top quartile).	Alpha: 3.20 (top quartile).	Alpha: -3.58 (bottom quartile).	Alpha: 2.22 (upper mid).	Alpha: -0.86 (lower mid).
Point 9	Sharpe: 0.20 (upper mid).	Sharpe: 0.27 (upper mid).	Sharpe: 0.03 (bottom quartile).	Sharpe: 0.21 (upper mid).	Sharpe: 0.02 (bottom quartile).	Sharpe: 0.07 (lower mid).	Sharpe: 0.43 (top quartile).	Sharpe: -0.34 (bottom quartile).	Sharpe: 1.15 (top quartile).	Sharpe: 0.13 (lower mid).
Point 10	Information ratio: 1.86 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: -0.29 (bottom quartile).	Information ratio: -1.69 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.04 (upper mid).	Information ratio: 1.50 (top quartile).	Information ratio: -0.04 (bottom quartile).	Information ratio: 0.57 (upper mid).	Information ratio: 0.93 (upper mid).

Franklin India Opportunities Fund - Direct

Upper mid AUM (₹8,271 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.27% (upper mid).
3Y return: 30.78% (top quartile).
1Y return: 16.50% (upper mid).
Alpha: 0.23 (upper mid).
Sharpe: 0.20 (upper mid).
Information ratio: 1.86 (top quartile).

Franklin Build India Fund - Direct

Bottom quartile AUM (₹3,003 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 25.21% (top quartile).
3Y return: 29.43% (top quartile).
1Y return: 22.35% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.27 (upper mid).
Information ratio: 0.00 (lower mid).

Franklin India Prima Fund - Direct

Upper mid AUM (₹12,223 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 17.85% (lower mid).
3Y return: 23.00% (upper mid).
1Y return: 12.70% (lower mid).
Alpha: -3.28 (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: -0.29 (bottom quartile).

Franklin India Feeder - Franklin U S Opportunities Fund - Direct

Lower mid AUM (₹4,573 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 9.95% (bottom quartile).
3Y return: 22.23% (upper mid).
1Y return: 3.86% (bottom quartile).
Alpha: -10.48 (bottom quartile).
Sharpe: 0.21 (upper mid).
Information ratio: -1.69 (bottom quartile).

DSP Micro Cap Fund - Direct

Top quartile AUM (₹16,135 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.51% (top quartile).
3Y return: 21.45% (upper mid).
1Y return: 16.30% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.02 (bottom quartile).
Information ratio: 0.00 (lower mid).

Sundaram SMILE Fund - Direct

Lower mid AUM (₹3,285 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 21.36% (upper mid).
3Y return: 21.27% (lower mid).
1Y return: 16.56% (upper mid).
Alpha: 4.37 (top quartile).
Sharpe: 0.07 (lower mid).
Information ratio: 0.04 (upper mid).

Edelweiss Economic Resurgence Fund - Direct

Bottom quartile AUM (₹3,133 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.59% (lower mid).
3Y return: 20.90% (lower mid).
1Y return: 16.34% (upper mid).
Alpha: 3.20 (top quartile).
Sharpe: 0.43 (top quartile).
Information ratio: 1.50 (top quartile).

Franklin India Smaller Companies Fund - Direct

Upper mid AUM (₹12,764 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 20.87% (upper mid).
3Y return: 19.98% (bottom quartile).
1Y return: 8.57% (bottom quartile).
Alpha: -3.58 (bottom quartile).
Sharpe: -0.34 (bottom quartile).
Information ratio: -0.04 (bottom quartile).

UTI Banking Sector Fund - Direct

Bottom quartile AUM (₹1,400 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.44% (bottom quartile).
3Y return: 19.89% (bottom quartile).
1Y return: 25.21% (top quartile).
Alpha: 2.22 (upper mid).
Sharpe: 1.15 (top quartile).
Information ratio: 0.57 (upper mid).

Franklin India Prima Plus - Direct

Highest AUM (₹19,528 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.96% (bottom quartile).
3Y return: 19.67% (bottom quartile).
1Y return: 11.45% (bottom quartile).
Alpha: -0.86 (lower mid).
Sharpe: 0.13 (lower mid).
Information ratio: 0.93 (upper mid).

മികച്ച നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് പ്ലാനുകൾ- ഡെറ്റ് വിഭാഗം

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Franklin India Income Builder Account - Plan A - Direct Growth	₹112.499 ↑ 0.00	₹1,323	1.3	3.2	9.5	8.3	6.8	9.7
Axis Corporate Debt Opportunities Fund - Direct Growth	₹18.7785 ↓ -0.01	₹8,565	0.9	2.8	8	8.2	6.9	8.6
HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth	₹53.1035 ↓ 0.00	₹16,731	1.3	3	7.8	8.1	6.9	8.1
UTI Short Term Income Fund - Direct Growth	₹34.9967 ↓ -0.01	₹3,166	1	2.7	7.4	7.9	7.6	7.8
UTI Treasury Advantage Fund - Direct Growth	₹3,752.45 ↑ 0.63	₹2,929	1.3	3	7.4	7.5	7.4	7.7
Franklin India Savings Plus Fund Retail Option - Direct Growth	₹54.006 ↑ 0.02	₹3,898	1.5	3	7.4	7.6	6.3	7.6
UTI Money Market Fund - Direct Growth	₹3,250.59 ↑ 1.05	₹20,497	1.4	3	7.3	7.6	6.4	7.6
Edelweiss Bond Fund - Direct Growth	₹32.6356 ↑ 0.01	₹2,745	1.5	3	7.3	7.4	6.1	7.6
Reliance Dynamic Bond Fund - Direct Growth	₹41.3824 ↑ 0.00	₹4,078	1.2	2.7	7.3	8.2	6.7	7.5
Franklin India Treasury Management Account - Regular Plan - Direct Growth	₹4,115.24 ↑ 0.81	₹3,927	1.5	3	6.5	7	6	6.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 26

Research Highlights & Commentary of 10 Funds showcased

Commentary	Franklin India Income Builder Account - Plan A - Direct	Axis Corporate Debt Opportunities Fund - Direct	HDFC Floating Rate Income Fund - Short Term Plan - Direct	UTI Short Term Income Fund - Direct	UTI Treasury Advantage Fund - Direct	Franklin India Savings Plus Fund Retail Option - Direct	UTI Money Market Fund - Direct	Edelweiss Bond Fund - Direct	Reliance Dynamic Bond Fund - Direct	Franklin India Treasury Management Account - Regular Plan - Direct
Point 1	Bottom quartile AUM (₹1,323 Cr).	Upper mid AUM (₹8,565 Cr).	Top quartile AUM (₹16,731 Cr).	Lower mid AUM (₹3,166 Cr).	Bottom quartile AUM (₹2,929 Cr).	Lower mid AUM (₹3,898 Cr).	Highest AUM (₹20,497 Cr).	Bottom quartile AUM (₹2,745 Cr).	Upper mid AUM (₹4,078 Cr).	Upper mid AUM (₹3,927 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (8+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 9.53% (top quartile).	1Y return: 8.02% (top quartile).	1Y return: 7.76% (upper mid).	1Y return: 7.43% (upper mid).	1Y return: 7.41% (upper mid).	1Y return: 7.39% (lower mid).	1Y return: 7.31% (lower mid).	1Y return: 7.28% (bottom quartile).	1Y return: 7.25% (bottom quartile).	1Y return: 6.50% (bottom quartile).
Point 6	1M return: 0.89% (top quartile).	1M return: 0.86% (upper mid).	1M return: 0.81% (upper mid).	1M return: 0.82% (upper mid).	1M return: 0.71% (lower mid).	1M return: 0.62% (lower mid).	1M return: 0.62% (bottom quartile).	1M return: 0.62% (bottom quartile).	1M return: 1.20% (top quartile).	1M return: 0.55% (bottom quartile).
Point 7	Sharpe: 1.51 (lower mid).	Sharpe: 0.95 (bottom quartile).	Sharpe: 1.60 (lower mid).	Sharpe: 0.85 (bottom quartile).	Sharpe: 1.91 (upper mid).	Sharpe: 2.61 (top quartile).	Sharpe: 2.42 (upper mid).	Sharpe: 2.36 (upper mid).	Sharpe: 0.30 (bottom quartile).	Sharpe: 3.77 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.48% (top quartile).	Yield to maturity (debt): 7.25% (upper mid).	Yield to maturity (debt): 7.26% (upper mid).	Yield to maturity (debt): 7.33% (top quartile).	Yield to maturity (debt): 7.29% (upper mid).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 6.83% (bottom quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 6.52% (bottom quartile).
Point 10	Modified duration: 2.49 yrs (bottom quartile).	Modified duration: 2.63 yrs (bottom quartile).	Modified duration: 1.80 yrs (lower mid).	Modified duration: 2.22 yrs (lower mid).	Modified duration: 0.93 yrs (upper mid).	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.41 yrs (upper mid).	Modified duration: 0.34 yrs (top quartile).	Modified duration: 3.75 yrs (bottom quartile).	Modified duration: 0.09 yrs (top quartile).

Franklin India Income Builder Account - Plan A - Direct

Bottom quartile AUM (₹1,323 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 9.53% (top quartile).
1M return: 0.89% (top quartile).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.48% (top quartile).
Modified duration: 2.49 yrs (bottom quartile).

Axis Corporate Debt Opportunities Fund - Direct

Upper mid AUM (₹8,565 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 8.02% (top quartile).
1M return: 0.86% (upper mid).
Sharpe: 0.95 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.25% (upper mid).
Modified duration: 2.63 yrs (bottom quartile).

HDFC Floating Rate Income Fund - Short Term Plan - Direct

Top quartile AUM (₹16,731 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.76% (upper mid).
1M return: 0.81% (upper mid).
Sharpe: 1.60 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.26% (upper mid).
Modified duration: 1.80 yrs (lower mid).

UTI Short Term Income Fund - Direct

Lower mid AUM (₹3,166 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.43% (upper mid).
1M return: 0.82% (upper mid).
Sharpe: 0.85 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.33% (top quartile).
Modified duration: 2.22 yrs (lower mid).

UTI Treasury Advantage Fund - Direct

Bottom quartile AUM (₹2,929 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.41% (upper mid).
1M return: 0.71% (lower mid).
Sharpe: 1.91 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (upper mid).
Modified duration: 0.93 yrs (upper mid).

Franklin India Savings Plus Fund Retail Option - Direct

Lower mid AUM (₹3,898 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
1Y return: 7.39% (lower mid).
1M return: 0.62% (lower mid).
Sharpe: 2.61 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 0.44 yrs (upper mid).

UTI Money Market Fund - Direct

Highest AUM (₹20,497 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 7.31% (lower mid).
1M return: 0.62% (bottom quartile).
Sharpe: 2.42 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 0.41 yrs (upper mid).

Edelweiss Bond Fund - Direct

Bottom quartile AUM (₹2,745 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.28% (bottom quartile).
1M return: 0.62% (bottom quartile).
Sharpe: 2.36 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.34 yrs (top quartile).

Reliance Dynamic Bond Fund - Direct

Upper mid AUM (₹4,078 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 7.25% (bottom quartile).
1M return: 1.20% (top quartile).
Sharpe: 0.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 3.75 yrs (bottom quartile).

Franklin India Treasury Management Account - Regular Plan - Direct

Upper mid AUM (₹3,927 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.50% (bottom quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 3.77 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.52% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

മികച്ച നേരിട്ടുള്ള മ്യൂച്വൽ ഫണ്ട് പ്ലാനുകൾ- ഹൈബ്രിഡ് വിഭാഗം

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Wealth Builder Fund - Direct Growth	₹88.9185 ↑ 0.37	₹6,848	1.5	7.4	16.1	21.5	15.7	12.4
JM Balanced Fund - Direct Growth	₹135.842 ↑ 0.44	₹753	-3.2	-1.2	6.5	19.1	16.5	-1.6
Edelweiss Prudent Advantage Fund - Direct Growth	₹74.88 ↑ 0.32	₹3,453	-1	1.9	12.5	18.4	16.9	7.6
UTI Balanced Fund - Direct Growth	₹446.765 ↑ 0.40	₹6,654	-0.4	3	10.7	17.1	15.5	7.1
BNP Paribas Balanced Fund - Direct Growth	₹32.4394 ↑ 0.12	₹1,243	-1.1	1.8	10.6	16.1	13.7	5.3
Franklin India Balanced Fund - Direct Growth	₹312.624 ↑ 0.75	₹2,341	-1.8	0.5	9.3	15.9	13.1	4.7
Axis Dynamic Equity Fund - Direct Growth	₹24.14 ↑ 0.05	₹3,773	-0.5	3.3	10.4	15.8	12.2	8.2
Edelweiss Equity Savings Advantage Fund - Direct Growth	₹29.068 ↑ 0.00	₹1,223	0.8	3.3	10.8	12.5	10.4	9
UTI SPREAD Fund - Direct Growth	₹38.8582 ↓ -0.01	₹10,957	1.7	3.3	7	7.7	6.5	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	UTI Wealth Builder Fund - Direct	JM Balanced Fund - Direct	Edelweiss Prudent Advantage Fund - Direct	UTI Balanced Fund - Direct	BNP Paribas Balanced Fund - Direct	Franklin India Balanced Fund - Direct	Axis Dynamic Equity Fund - Direct	Edelweiss Equity Savings Advantage Fund - Direct	UTI SPREAD Fund - Direct
Point 1	Top quartile AUM (₹6,848 Cr).	Bottom quartile AUM (₹753 Cr).	Lower mid AUM (₹3,453 Cr).	Upper mid AUM (₹6,654 Cr).	Bottom quartile AUM (₹1,243 Cr).	Lower mid AUM (₹2,341 Cr).	Upper mid AUM (₹3,773 Cr).	Bottom quartile AUM (₹1,223 Cr).	Highest AUM (₹10,957 Cr).
Point 2	Oldest track record among peers (13 yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (13+ yrs).	Established history (8+ yrs).	Established history (13+ yrs).	Established history (8+ yrs).	Established history (11+ yrs).	Established history (13+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.
Point 5	5Y return: 15.70% (upper mid).	5Y return: 16.49% (top quartile).	5Y return: 16.86% (top quartile).	5Y return: 15.53% (upper mid).	5Y return: 13.67% (lower mid).	5Y return: 13.14% (lower mid).	5Y return: 12.21% (bottom quartile).	5Y return: 10.45% (bottom quartile).	5Y return: 6.53% (bottom quartile).
Point 6	3Y return: 21.53% (top quartile).	3Y return: 19.15% (top quartile).	3Y return: 18.45% (upper mid).	3Y return: 17.08% (upper mid).	3Y return: 16.08% (lower mid).	3Y return: 15.88% (lower mid).	3Y return: 15.84% (bottom quartile).	3Y return: 12.55% (bottom quartile).	3Y return: 7.68% (bottom quartile).
Point 7	1Y return: 16.10% (top quartile).	1Y return: 6.50% (bottom quartile).	1Y return: 12.47% (top quartile).	1Y return: 10.68% (upper mid).	1Y return: 10.60% (lower mid).	1Y return: 9.29% (bottom quartile).	1Y return: 10.43% (lower mid).	1Y return: 10.82% (upper mid).	1Y return: 6.96% (bottom quartile).
Point 8	1M return: 0.53% (bottom quartile).	1M return: 0.98% (bottom quartile).	1M return: 2.52% (top quartile).	1M return: 1.28% (lower mid).	1M return: 1.88% (top quartile).	1M return: 1.70% (upper mid).	1M return: 1.43% (upper mid).	1M return: 1.39% (lower mid).	1M return: 0.59% (bottom quartile).
Point 9	Alpha: 0.00 (top quartile).	Alpha: -4.71 (bottom quartile).	Alpha: 0.33 (top quartile).	Alpha: -0.10 (lower mid).	Alpha: -1.24 (bottom quartile).	Alpha: -1.65 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).
Point 10	Sharpe: 0.90 (top quartile).	Sharpe: -0.21 (bottom quartile).	Sharpe: 0.26 (upper mid).	Sharpe: 0.22 (lower mid).	Sharpe: 0.11 (bottom quartile).	Sharpe: 0.05 (bottom quartile).	Sharpe: 0.24 (lower mid).	Sharpe: 0.81 (upper mid).	Sharpe: 2.68 (top quartile).

UTI Wealth Builder Fund - Direct

Top quartile AUM (₹6,848 Cr).
Oldest track record among peers (13 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.70% (upper mid).
3Y return: 21.53% (top quartile).
1Y return: 16.10% (top quartile).
1M return: 0.53% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.90 (top quartile).

JM Balanced Fund - Direct

Bottom quartile AUM (₹753 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.49% (top quartile).
3Y return: 19.15% (top quartile).
1Y return: 6.50% (bottom quartile).
1M return: 0.98% (bottom quartile).
Alpha: -4.71 (bottom quartile).
Sharpe: -0.21 (bottom quartile).

Edelweiss Prudent Advantage Fund - Direct

Lower mid AUM (₹3,453 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 16.86% (top quartile).
3Y return: 18.45% (upper mid).
1Y return: 12.47% (top quartile).
1M return: 2.52% (top quartile).
Alpha: 0.33 (top quartile).
Sharpe: 0.26 (upper mid).

UTI Balanced Fund - Direct

Upper mid AUM (₹6,654 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 15.53% (upper mid).
3Y return: 17.08% (upper mid).
1Y return: 10.68% (upper mid).
1M return: 1.28% (lower mid).
Alpha: -0.10 (lower mid).
Sharpe: 0.22 (lower mid).

BNP Paribas Balanced Fund - Direct

Bottom quartile AUM (₹1,243 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.67% (lower mid).
3Y return: 16.08% (lower mid).
1Y return: 10.60% (lower mid).
1M return: 1.88% (top quartile).
Alpha: -1.24 (bottom quartile).
Sharpe: 0.11 (bottom quartile).

Franklin India Balanced Fund - Direct

Lower mid AUM (₹2,341 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 13.14% (lower mid).
3Y return: 15.88% (lower mid).
1Y return: 9.29% (bottom quartile).
1M return: 1.70% (upper mid).
Alpha: -1.65 (bottom quartile).
Sharpe: 0.05 (bottom quartile).

Axis Dynamic Equity Fund - Direct

Upper mid AUM (₹3,773 Cr).
Established history (8+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 12.21% (bottom quartile).
3Y return: 15.84% (bottom quartile).
1Y return: 10.43% (lower mid).
1M return: 1.43% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.24 (lower mid).

Edelweiss Equity Savings Advantage Fund - Direct

Bottom quartile AUM (₹1,223 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 10.45% (bottom quartile).
3Y return: 12.55% (bottom quartile).
1Y return: 10.82% (upper mid).
1M return: 1.39% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.81 (upper mid).

UTI SPREAD Fund - Direct

Highest AUM (₹10,957 Cr).
Established history (13+ yrs).
Not Rated.
Risk profile: Moderately Low.
5Y return: 6.53% (bottom quartile).
3Y return: 7.68% (bottom quartile).
1Y return: 6.96% (bottom quartile).
1M return: 0.59% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.68 (top quartile).

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.